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Overview
Profile

Lake Shore Bancorp stock

LSBK
US5107001076
A0JKKC

Price

13.55
Today +/-
+0.06
Today %
+0.45 %
P

Lake Shore Bancorp stock price

%
Weekly
Details

Price

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Overview

The Quote Chart provides detailed and dynamic insights into the Lake Shore Bancorp stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Lake Shore Bancorp stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Lake Shore Bancorp stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Lake Shore Bancorp's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Lake Shore Bancorp Stock Price History

DateLake Shore Bancorp Price
10/1/202413.55 undefined
9/30/202413.49 undefined
9/27/202413.77 undefined
9/26/202413.78 undefined
9/25/202413.95 undefined
9/24/202413.97 undefined
9/23/202413.44 undefined
9/20/202413.65 undefined
9/19/202413.00 undefined
9/18/202412.94 undefined
9/17/202412.65 undefined
9/16/202412.71 undefined
9/13/202412.85 undefined
9/12/202412.95 undefined
9/11/202412.72 undefined
9/10/202412.72 undefined
9/9/202412.84 undefined
9/6/202412.95 undefined
9/5/202412.80 undefined
9/4/202412.61 undefined
9/3/202412.80 undefined

Lake Shore Bancorp Revenue, EBIT, Net Income

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Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Lake Shore Bancorp, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Lake Shore Bancorp from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Lake Shore Bancorp’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Lake Shore Bancorp. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Lake Shore Bancorp’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Lake Shore Bancorp’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Lake Shore Bancorp’s growth potential.

Lake Shore Bancorp Revenue, EBIT and net profit per share

DateLake Shore Bancorp RevenueLake Shore Bancorp EBITLake Shore Bancorp Net Income
202336.39 M undefined0 undefined4.82 M undefined
202229.45 M undefined0 undefined5.71 M undefined
202127.85 M undefined0 undefined6.19 M undefined
202027.33 M undefined0 undefined4.56 M undefined
201926.76 M undefined0 undefined4.09 M undefined
201824.01 M undefined0 undefined4 M undefined
201722.07 M undefined0 undefined3.38 M undefined
201621.59 M undefined0 undefined3.52 M undefined
201520.3 M undefined0 undefined3.34 M undefined
201420.12 M undefined0 undefined3.16 M undefined
201320.7 M undefined0 undefined3.74 M undefined
201221.68 M undefined0 undefined3.63 M undefined
201122.44 M undefined0 undefined3.68 M undefined
201023.38 M undefined0 undefined3.04 M undefined
200922.11 M undefined0 undefined2.16 M undefined
200820.58 M undefined0 undefined1.47 M undefined
200720.62 M undefined0 undefined1.82 M undefined
200619.58 M undefined0 undefined1.82 M undefined
200517.81 M undefined0 undefined2.05 M undefined
200416.62 M undefined0 undefined2.18 M undefined

Lake Shore Bancorp Income Statement, Balance Sheet, Cash Flow Statement

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  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (M)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
2002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
14141617192020222322212020202122242627272936
--14.296.2511.765.26-10.004.55-4.35-4.55-4.76--5.004.769.098.333.85-7.4124.14
----------------------
0000000000000000000000
0000000000000000000000
----------------------
2122111233333333444654
--50.00100.00--50.00--100.0050.00-------33.33--50.00-16.67-20.00
----------------------
----------------------
4.254.254.254.256.396.186.045.95.785.75.715.725.785.926.026.126.0965.965.895.885.86
----------------------
Details

Keystats

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Revenue and Growth

The Lake Shore Bancorp Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Lake Shore Bancorp is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (k)NON-CURRENT ASSETS (M)TOTAL ASSETS (M)LIABILITIESCOMMON STOCK (k)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (M)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (M)LIABILITIES (M)PROVISIONS (k)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (M)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (M)DEBT (M)TOTAL CAPITAL (M)
200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                         
000000000000000000000
000000000000000000000
000000000000000000000
000000000000000000000
000000000000000000000
000000000000000000000
6.56.67.77.26.98.2898.59.79.69.59.18.79.49.410.29.69.28.78.1
000000000000000000000
000000000000000000000
000000000000000000000
000000000000000000000
00000000009000000000000
6.56.67.77.26.98.2898.59.710.59.59.18.79.49.410.29.69.28.78.1
6.56.67.77.26.98.2898.59.710.59.59.18.79.49.410.29.69.28.78.1
                                         
00010010010010010010010010010010010010010010010010010068
00027.527.727.827.827.928282828.729.430.530.730.931.131.231.431.531.46
24.126.328.330.131.532.534.236.739.842.545.648.250.953.556.259.16265.570.674.978.96
0.90.6-0.3-3.9-3.6-2.4-2.2-3.42.33-1.91.10.5-0.8-1.3-1.5-0.10.7-0.4-11.6-10.45
000000000000000000000
2526.92853.855.75859.961.370.273.671.878.180.983.385.788.693.197.5101.794.9100.03
000000000000000000000
0000000000000000800700500500242
000000000000000000000
11.811.711.210.618.55.56.956.911.211.70000000012.60
000000000000000000000
11.811.711.210.618.55.56.956.911.211.7000000.80.70.513.10.24
31.542.337.532.837.946.536.234.227.214.47.91921.2192724.700000
0000000000010.5-0.5-0.6-0.7-0.40.70.843.89
2.83.33.754.45.45.75.97.68.15.75.65.55.66.16.36.35.76.13.35.23
34.345.641.237.842.351.941.940.134.822.513.625.627.224.132.530.35.96.46.97.39.12
46.157.352.448.460.857.448.845.141.733.725.325.627.224.132.530.36.77.17.420.49.36
71.184.280.4102.2116.5115.4108.7106.4111.9107.397.1103.7108.1107.4118.2118.999.8104.6109.1115.3109.4
Details

Balance Sheet

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Understanding the Balance Sheet

The balance sheet of Lake Shore Bancorp provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Lake Shore Bancorp's financial health and stability.

Assets

Lake Shore Bancorp's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Lake Shore Bancorp must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Lake Shore Bancorp after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Lake Shore Bancorp's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (k)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
2002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
2122111233333333444654
0000000000000000000000
0000000000000000000000
0010200000100000000010
0000002001110000000000
0000000000033222354228
1,000001,00001,000001,0001,0001,0001,0000000001,0001,00001,000
2232424246654445655886
0-30-100-10-10-10000-1000000
-22-65-32-4-15-12-31-24-44-140-11169-7-36-39-64-62-5-5719
-22-62-32-3-14-12-29-24-43-142-101610-6-34-38-63-61-5-5619
0000000000000000000000
82710-5-513-4-8-3-5-8-602-28-200012-12
000026-2-10-10000000-1-1-1-200
2163232161461551-1-103-1-16142622586921-818
1335137-3-85225574-19-1-17161927617125-1931
00000000000000000-1-1-1-10
10-506-818-611-9-3-218-111-4-1001224-5744
2.08-0.973.051.34.521.92.372.253.285.934.934.723.724.53.824.355.295.035.27.927.735.81
0000000000000000000000

Lake Shore Bancorp stock margins

The Lake Shore Bancorp margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Lake Shore Bancorp. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Lake Shore Bancorp.

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Gross margin
EBIT margin
Profit margin
Details

Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Lake Shore Bancorp's sales revenue. A higher gross margin percentage indicates that the Lake Shore Bancorp retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Lake Shore Bancorp's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Lake Shore Bancorp's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Lake Shore Bancorp's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Lake Shore Bancorp. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Lake Shore Bancorp's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Lake Shore Bancorp Margin History

Lake Shore Bancorp Gross marginLake Shore Bancorp Profit marginLake Shore Bancorp EBIT marginLake Shore Bancorp Profit margin
20230 %0 %13.25 %
20220 %0 %19.39 %
20210 %0 %22.23 %
20200 %0 %16.68 %
20190 %0 %15.28 %
20180 %0 %16.66 %
20170 %0 %15.31 %
20160 %0 %16.3 %
20150 %0 %16.45 %
20140 %0 %15.71 %
20130 %0 %18.07 %
20120 %0 %16.74 %
20110 %0 %16.4 %
20100 %0 %13 %
20090 %0 %9.77 %
20080 %0 %7.14 %
20070 %0 %8.83 %
20060 %0 %9.3 %
20050 %0 %11.51 %
20040 %0 %13.12 %

Lake Shore Bancorp Stock Sales Revenue, EBIT, Earnings per Share

The Lake Shore Bancorp earnings per share therefore indicates how much revenue Lake Shore Bancorp has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Lake Shore Bancorp earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Lake Shore Bancorp's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Lake Shore Bancorp’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Lake Shore Bancorp's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Lake Shore Bancorp Revenue, EBIT and net profit per share

DateLake Shore Bancorp Sales per ShareLake Shore Bancorp EBIT per shareLake Shore Bancorp Earnings per Share
20236.21 undefined0 undefined0.82 undefined
20225.01 undefined0 undefined0.97 undefined
20214.73 undefined0 undefined1.05 undefined
20204.59 undefined0 undefined0.77 undefined
20194.46 undefined0 undefined0.68 undefined
20183.94 undefined0 undefined0.66 undefined
20173.61 undefined0 undefined0.55 undefined
20163.59 undefined0 undefined0.58 undefined
20153.43 undefined0 undefined0.56 undefined
20143.48 undefined0 undefined0.55 undefined
20133.62 undefined0 undefined0.65 undefined
20123.8 undefined0 undefined0.64 undefined
20113.94 undefined0 undefined0.65 undefined
20104.04 undefined0 undefined0.53 undefined
20093.75 undefined0 undefined0.37 undefined
20083.41 undefined0 undefined0.24 undefined
20073.34 undefined0 undefined0.29 undefined
20063.06 undefined0 undefined0.28 undefined
20054.19 undefined0 undefined0.48 undefined
20043.91 undefined0 undefined0.51 undefined

Lake Shore Bancorp business model

Lake Shore Bancorp Inc. is a financial holding company specializing in banking and is based in the United States. The history of Lake Shore Bancorp Inc. began in 1891 when the Lake Shore Savings & Loan Association was founded. After over a century in banking and many changes, the bank finally received the name Lake Shore Bancorp Inc. in 2010. The bank is headquartered in Dunkirk, New York, and currently operates nine branches in the area. It is a publicly traded company with its stocks traded under the ticker "LSBK" on the NASDAQ stock exchange. The business model of Lake Shore Bancorp Inc. is based on providing financial services to its customers. Lake Shore Bancorp Inc. offers a wide range of banking services, including savings accounts, checking accounts, credit cards, mortgages, home and auto loans, and investment products. The bank works hard to provide its customers with the best options and services to meet the needs of each customer. Lake Shore Bancorp Inc. focuses on the principle of mutuality, meaning the company invests in the well-being and success of the community and customers. The bank follows ethical and responsible business practices and promotes economic sustainability. An important division of Lake Shore Bancorp Inc. is the company itself, which has grown over the years and employs over 100 employees. Additionally, the bank provides training for its employees to ensure they have the necessary skills and knowledge to effectively serve customers. Lake Shore Bancorp Inc. offers many different products and services. Some of the most well-known products are checking accounts and savings accounts. These accounts provide secure and convenient banking for everyday use. Another important service of Lake Shore Bancorp Inc. is loans, including mortgage loans and auto loans. The bank also offers investment products such as CDs and investment accounts to allow customers to invest their money in a secure, reliable, and easily accessible manner. In conclusion, Lake Shore Bancorp Inc. is a banking-oriented financial holding company that has evolved from a historical past. The bank is committed to promoting the well-being of its customers and the community and provides a wide range of banking services. The bank operates its business in an ethical and responsible manner and strives to offer its customers the best products and services to meet their requirements and needs. Lake Shore Bancorp is one of the most popular companies on Eulerpool.com.

Lake Shore Bancorp SWOT Analysis

Strengths

Lake Shore Bancorp Inc has consistently displayed strong financial performance, with steady growth in revenue and profitability over the years. This highlights the company's ability to effectively manage its resources and generate sustainable returns for its shareholders.

The company has established a strong market presence in its operating region, with a substantial customer base and a solid reputation. This market strength provides a competitive advantage in attracting and retaining customers, as well as expanding its business operations.

Weaknesses

Lake Shore Bancorp Inc operates primarily within a limited geographic area, which poses challenges in terms of market expansion and diversification. This reliance on a concentrated market may expose the company to economic or regulatory risks specific to that region.

The company heavily relies on interest income as its primary revenue source. As a result, Lake Shore Bancorp Inc may face greater vulnerability to changes in interest rates, which can impact its profitability and financial stability.

Opportunities

Lake Shore Bancorp Inc could explore opportunities for strategic acquisitions, allowing for geographic expansion and diversification in terms of products and services. Acquiring complementary businesses can enhance the company's market position and drive growth in the long term.

Embracing digital technologies and improving online banking capabilities presents a significant opportunity for Lake Shore Bancorp Inc to enhance customer experience, capture a larger market share, and streamline its operations. Investing in digital transformation can help the company stay competitive in a rapidly evolving banking industry.

Threats

The banking industry is highly competitive, with numerous established players and new entrants. Lake Shore Bancorp Inc faces the threat of competitors offering innovative products and services, potentially eroding its market share and profitability if it fails to keep up with changing customer demands.

Fluctuations in the economy, such as recessions or financial crises, can pose a threat to Lake Shore Bancorp Inc's financial stability and performance. Economic uncertainty may lead to decreased loan demand, higher default rates, and increased regulatory burdens, which can negatively impact the company's overall operations.

Lake Shore Bancorp Eulerpool Fair Value

Details

Fair Value

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Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Lake Shore Bancorp historical P/E ratio, EBIT multiple, and P/S ratio

Lake Shore Bancorp shares outstanding

The number of shares was Lake Shore Bancorp in 2023 — This indicates how many shares 5.856 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Lake Shore Bancorp earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Lake Shore Bancorp's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Lake Shore Bancorp’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Lake Shore Bancorp's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Lake Shore Bancorp dividend history and estimates

In 2023, Lake Shore Bancorp paid a dividend amounting to 0 USD. Dividend means that Lake Shore Bancorp distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

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Dividend Overview

The dividend per year chart for Lake Shore Bancorp provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Lake Shore Bancorp’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Lake Shore Bancorp's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Lake Shore Bancorp Dividend History

DateLake Shore Bancorp Dividend
20220.68 undefined
20210.54 undefined
20200.49 undefined
20190.48 undefined
20180.4 undefined
20170.32 undefined
20160.28 undefined
20150.28 undefined
20140.28 undefined
20130.28 undefined
20120.25 undefined
20110.28 undefined
20100.24 undefined
20090.2 undefined
20080.19 undefined
20070.13 undefined
20060.03 undefined

Lake Shore Bancorp dividend payout ratio

In 2023, Lake Shore Bancorp had a payout ratio of 61.72%. The payout ratio indicates the percentage of the company's profits that Lake Shore Bancorp distributes as dividends.

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Payout ratio
Details

Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for Lake Shore Bancorp represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Lake Shore Bancorp could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Lake Shore Bancorp's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Lake Shore Bancorp Payout Ratio History

DateLake Shore Bancorp Payout ratio
202361.72 %
202270.1 %
202151.43 %
202063.64 %
201970.59 %
201860.61 %
201758.18 %
201648.28 %
201550 %
201450.91 %
201343.08 %
201239.06 %
201143.08 %
201045.28 %
200954.05 %
200879.17 %
200744.83 %
200610.71 %
200561.72 %
200461.72 %
Unfortunately, there are currently no price targets and forecasts available for Lake Shore Bancorp.

Lake Shore Bancorp latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
6/30/20240 0.19  (0 %)2024 Q2
12/31/20220 0.2  (0 %)2022 Q4
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Lake Shore Bancorp shareholders

%
Name
Stocks
Change
Date
63.36019 % Lake Shore, MHC3,636,87503/23/2023
1.78138 % M3F, Inc.102,251-9,52712/31/2023
1.74216 % Stilwell Value LLC100,000012/31/2023
1.44561 % Reininga (Daniel P)82,9784823/23/2023
1.08836 % HBKS Wealth Advisors62,47210012/31/2023
0.93941 % The Vanguard Group, Inc.53,9223,18512/31/2023
0.54824 % Global Retirement Partners, LLC31,4697,00012/31/2023
0.52470 % Minerva Advisors LLC30,118012/31/2023
0.50261 % Bridgeway Capital Management, LLC28,850012/31/2023
0.46930 % Dimensional Fund Advisors, L.P.26,938012/31/2023
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4
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Lake Shore Bancorp Executives and Management Board

Mr. Kevin Sanvidge68
Lake Shore Bancorp Non-Executive Independent Chairman of the Board (since 2012)
Compensation 77,348
Mr. Tracy Bennett72
Lake Shore Bancorp Independent Director
Compensation 49,428
Mr. Jack Mehltretter64
Lake Shore Bancorp Independent Director
Compensation 49,396
Mr. John Mcgrath68
Lake Shore Bancorp Independent Director
Compensation 49,302
Ms. Sharon Brautigam66
Lake Shore Bancorp Vice Chairman of the Board (since 2004)
Compensation 42,509
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Most common questions regarding Lake Shore Bancorp

What values and corporate philosophy does Lake Shore Bancorp represent?

Lake Shore Bancorp Inc represents values of integrity, customer service excellence, and community involvement. Committed to ethical practices, the company strives to provide financial solutions that meet the unique needs of its customers. As a community bank, Lake Shore Bancorp Inc understands the importance of supporting local businesses and organizations, contributing to the growth and prosperity of the community it serves. Through its transparent and personalized approach, Lake Shore Bancorp Inc aims to build long-term relationships with its customers, helping them achieve their financial goals. With a strong emphasis on trust and reliability, the company consistently demonstrates its commitment to maintaining the highest standards of corporate philosophy.

In which countries and regions is Lake Shore Bancorp primarily present?

Lake Shore Bancorp Inc is primarily present in the United States.

What significant milestones has the company Lake Shore Bancorp achieved?

Lake Shore Bancorp Inc has achieved several significant milestones throughout its history. One notable achievement is its consistent growth in assets and deposits over the years. The company has also demonstrated a strong commitment to its shareholders by consistently paying dividends. Additionally, Lake Shore Bancorp Inc has expanded its branch network, providing improved accessibility and convenience to its customers. With a solid reputation for its customer service and community involvement, Lake Shore Bancorp Inc continues to establish itself as a leading financial institution in the region.

What is the history and background of the company Lake Shore Bancorp?

Lake Shore Bancorp Inc is a reputable company that has a rich history and background. Established in 1891, Lake Shore Bancorp Inc has been serving its customers with integrity and expertise. The company operates as a holding company for Lake Shore Savings Bank, which was formed in the same year as the company itself. Lake Shore Bancorp Inc has a strong commitment to its local communities and aims to provide excellent banking services to its customers. Over the years, it has built a reliable reputation and has become a trusted institution in the financial industry.

Who are the main competitors of Lake Shore Bancorp in the market?

The main competitors of Lake Shore Bancorp Inc in the market include financial institutions such as KeyCorp, M&T Bank Corporation, and Community Bank System Inc. These companies operate in the same market as Lake Shore Bancorp Inc, offering similar banking and financial services to customers. However, Lake Shore Bancorp Inc differentiates itself through its strong community focus and personalized customer service.

In which industries is Lake Shore Bancorp primarily active?

Lake Shore Bancorp Inc is primarily active in the banking industry.

What is the business model of Lake Shore Bancorp?

Lake Shore Bancorp Inc is a financial holding company, whose primary subsidiary is Lake Shore Savings Bank. The company operates as a community-oriented financial institution, providing a range of banking services to individuals, businesses, and organizations in Western New York. Lake Shore Bancorp focuses on offering traditional retail banking products and services, including commercial and residential mortgage loans, checking and savings accounts, as well as business and personal loans. With a commitment to serving its local community, Lake Shore Bancorp Inc strives to provide excellent customer service and support the growth and development of its customers and surrounding areas.

What is the P/E ratio of Lake Shore Bancorp 2024?

The P/E ratio cannot be calculated for Lake Shore Bancorp at the moment.

What is the P/S ratio of Lake Shore Bancorp 2024?

The P/S cannot be calculated for Lake Shore Bancorp currently.

What is the AlleAktien quality score of Lake Shore Bancorp?

The AlleAktien quality score for Lake Shore Bancorp is 5/10.

What is the revenue of Lake Shore Bancorp 2024?

The revenue cannot currently be calculated for Lake Shore Bancorp.

How high is the profit of Lake Shore Bancorp 2024?

The profit cannot currently be calculated for Lake Shore Bancorp.

What is the business model of Lake Shore Bancorp

Lake Shore Bancorp, Inc. is a publicly traded holding company for Lake Shore Savings Bank. The bank was established in 1891 and is headquartered in Dunkirk, New York. Lake Shore Bancorp, Inc.'s business model is based on providing banking services to individuals and businesses in the western districts of New York and the adjacent communities. The bank operates in the deposits and loans divisions, each offering various products. The deposit division offers a wide range of deposit services such as savings accounts, checking accounts, fixed deposits, and Individual Retirement Accounts (IRAs). Customers can also avail themselves of a free mobile app to manage their deposits online. In the loans division, Lake Shore Bancorp, Inc. offers various financing options such as mortgage loans, consumer loans, and business loans. The bank also offers special loan programs such as the government-backed Small Business Administration (SBA) Loan Program. The bank also has a wealth management division that offers a wide range of asset management services, including investment advisory, wealth planning and management, and other financial planning services. Lake Shore Bancorp, Inc. is committed to meeting the needs of its customers and therefore offers personalized attention. The bank has on-site employees who take the time to advise customers on selecting products and services. There are also designated financial advisors in the wealth management team who assist customers in achieving their long-term investment goals. The bank also actively engages in the communities it serves, supporting nonprofit organizations and events. This creates a strong bond between the bank and its customers and fosters trust within the community. Overall, Lake Shore Bancorp, Inc.'s business model is designed to meet the needs of its customers through a wide range of banking services. The bank aims to build a trusting relationship with its customers and support its community.

What is the Lake Shore Bancorp dividend?

Lake Shore Bancorp pays a dividend of 0.68 USD distributed over payouts per year.

How often does Lake Shore Bancorp pay dividends?

The dividend cannot currently be calculated for Lake Shore Bancorp or the company does not pay out a dividend.

What is the Lake Shore Bancorp ISIN?

The ISIN of Lake Shore Bancorp is US5107001076.

What is the Lake Shore Bancorp WKN?

The WKN of Lake Shore Bancorp is A0JKKC.

What is the Lake Shore Bancorp ticker?

The ticker of Lake Shore Bancorp is LSBK.

How much dividend does Lake Shore Bancorp pay?

Over the past 12 months, Lake Shore Bancorp paid a dividend of 0.68 USD . This corresponds to a dividend yield of about 5.02 %. For the coming 12 months, Lake Shore Bancorp is expected to pay a dividend of 0.68 USD.

What is the dividend yield of Lake Shore Bancorp?

The current dividend yield of Lake Shore Bancorp is 5.02 %.

When does Lake Shore Bancorp pay dividends?

Lake Shore Bancorp pays a quarterly dividend. This is distributed in the months of September, December, June, September.

How secure is the dividend of Lake Shore Bancorp?

Lake Shore Bancorp paid dividends every year for the past 0 years.

What is the dividend of Lake Shore Bancorp?

For the upcoming 12 months, dividends amounting to 0.68 USD are expected. This corresponds to a dividend yield of 5.02 %.

In which sector is Lake Shore Bancorp located?

Lake Shore Bancorp is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Lake Shore Bancorp kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Lake Shore Bancorp from 8/16/2024 amounting to 0.18 USD, you needed to have the stock in your portfolio before the ex-date on 8/12/2024.

When did Lake Shore Bancorp pay the last dividend?

The last dividend was paid out on 8/16/2024.

What was the dividend of Lake Shore Bancorp in the year 2023?

In the year 2023, Lake Shore Bancorp distributed 0.54 USD as dividends.

In which currency does Lake Shore Bancorp pay out the dividend?

The dividends of Lake Shore Bancorp are distributed in USD.

All fundamentals about Lake Shore Bancorp

Our stock analysis for Lake Shore Bancorp Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Lake Shore Bancorp Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.